Mortgages – who owns what debts?

I live with my GF in an apt. She has over 10k of student loans and is between jobs right now, so I have been contributing some money to pay them so her savings doesn’t run out. (~ 100-200 / month)

My question is, since I’m contributing towards the loan payments, but not legally responsible for them, is this considered “my” debt for purposes of mortgage evaluation? I heard they look at all your loans, credit cards, obligations etc. since i’m not married i’m not legally obligated for someone else’s debts. does it matter, if I only get a mortgage in my name? or do they scrutinize everyone who could be living in a house I want to purchase/get a mortgage for?

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